Are you sure you want to exit? Your progress will be lost.
Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
Share a few details and we will match you to trusted home care in your area:
I would make a list of several questions for the insurance company. Ask all questions - including the one mentioned above - to get specific answers. It really depends on the insurance company and the specifics of the policy.
We have a LTC policy with a limit of $150/day. That's five hours @$30/hour I need to run for groceries, pharmacy, car maintenance, etc. Mom's neurologist has certified she cannot be left alone, but her ADLs are very good. LTC policies are written with ADLs as the primary focus but they should not be. Since the LTC policy will only pay if ADLs are impacted, I have an aide stand by to help her with dressing, bathing, and making breakfast/lunch. She won't need help most days, but she is always a fall risk due to her dementia.
TL:dr; insurance companies which require ADL impairment to receive benefits when dementia and fall risk are the issues that require assistance are just looking for reasons not to pay. Have your certifying neuro or GP put in at least three ADL stand by assists in case dementia/fall risk is not specified as qualifying for care. It's just more insurance company B.S.
I realize your situation may be different from ours. My point is, if that LTC policy is needed and does not take into account legit medical reasons other than ADLs, play it their way. Any decent neuro/GP who deals with LTC certifying will be happy to help you with this. Best of luck to you.
If your coverage is based on being unable to perform a certain number of ADLs and you can perform all of them you must notify the LTC provider. To do otherwise is fraud and could result in losing future benefits AND being required to repay some of those already given.
There is another side to the issue also: all LTC policies have dollar and/or time limits. What is your plan if you need LTC in the future and you have exhausted the limits of your policy by taking benefits when they are not needed?
We may be missing the point. The post may be from the policy holder and not the caregiver. If so, the post may be from an elder who is in an assisted living facility and wants to stay there but no longer needs the assistance. What would the correct answer be then?
Well, if the aide being paid is not suppose to do anything physical for him, doesn't matter he has improved. But surprised the LTC insurance is paying for an aide to to cleaning when there is another adult in the house who could possibly do it. Are you disabled in some way?
No, an aid comes to the house..mostly to do cleaning and dishes. I can't find anything in the forms that states if there is a change (for the better) in his health that the carrier should be notified
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
TL:dr; insurance companies which require ADL impairment to receive benefits when dementia and fall risk are the issues that require assistance are just looking for reasons not to pay. Have your certifying neuro or GP put in at least three ADL stand by assists in case dementia/fall risk is not specified as qualifying for care. It's just more insurance company B.S.
I realize your situation may be different from ours. My point is, if that LTC policy is needed and does not take into account legit medical reasons other than ADLs, play it their way. Any decent neuro/GP who deals with LTC certifying will be happy to help you with this. Best of luck to you.
There is another side to the issue also: all LTC policies have dollar and/or time limits. What is your plan if you need LTC in the future and you have exhausted the limits of your policy by taking benefits when they are not needed?
If so, when the facility submits an authorization and it's denied.